D360 Bank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
D360 Bank suits anyone who wants a plain debit card with nothing to pay, in the bank home market or abroad. The monthly fee is SAR 0 and the currency conversion fee is 0%, which puts it at the top of the currency conversion fee ranking. The account runs on simple, well understood debit rules.
Key facts
- Best for
- A free debit card for everyday spending and travel spending in other currencies.
- Monthly fee
- SAR 0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Legal entity
- D360 Bank (Source, checked September 26, 2026)
- Headquarters
- Saudi Arabia (Source, checked September 26, 2026)
- Founded
- 2022 (Source, checked September 26, 2026)
- Features
- Travel, Multi-currency
- Official website
- d360.com
Credit cards
Pros and cons
Pros
- No monthly charge: the monthly fee is SAR 0, the same as $0 and £0 on a like for like basis.
- The currency conversion fee is 0%, and the card sits at position 1 of 259 brands on that measure.
- It is a multi-currency card, listed with travel as a feature, so money can be held and spent across currencies.
- The monthly fee matches the debit ranking median of €0, and so does the lowest and the highest monthly fee there, which keeps the everyday cost predictable.
Cons
- D360 Bank is a young operation: it was founded in 2022 and is headquartered in Saudi Arabia, so the balance sits with a newer bank rather than a long established high street name.
- The stated features are travel and multi currency, so virtual card and crypto functions are not among what this card offers.
- This is a debit card rather than a credit card, so it does not build a credit record; Chime Card (Secured Visa Credit Card) is a secured credit card with a monthly fee of $0 if that is what you need.
Who it suits
- People in the bank home market who want a straightforward debit card for day to day spending.
- Travellers who spend in several currencies and want the currency conversion fee kept at 0%.
- Anyone who would rather not think about a monthly charge and prefers one of SAR 0.
Who should look elsewhere
- People who want a credit card, because this is a debit card while Varo Believe Secured Credit Card and Chime Card (Secured Visa Credit Card) are secured credit cards at $0 and $0 a month.
- Readers who want a longer feature list than travel and multi currency together with a longer track record, since the bank here was founded in 2022.
Fees and currency costs
The monthly fee is SAR 0. There is no account charge to budget for, which puts D360 Bank level with $0, £0 and $0. The debit card ranking shows the same picture: its monthly fee median is €0, and the lowest and the highest monthly fee in that ranking are €0 and €83.23. The currency conversion fee is 0%. Spending in another currency therefore adds no conversion charge, and the card ranks at position 1 of 259 brands on this measure. For context, the debit ranking shows a currency conversion fee median of 1% and an upper quartile of 2.5%, so 0% sits well under the typical debit card cost. What that means day to day: a card for coffee in the home market, a card for a trip where the money is already in the right currency, and a card with no monthly line on the statement. The card is a debit card with travel and multi currency listed as its features, so the multi-currency and travel side is where the value sits. Cash is the line to ask about. Free ATM withdrawal allowances across the debit ranking run €0 to €2,000, so it is worth asking the bank what a withdrawal costs here before you rely on cash.
Who runs it
D360 Bank is the legal entity behind the account, D360 Bank, and it is headquartered in Saudi Arabia. The bank was founded in 2022, so it is a comparatively young operation rather than an old high street name. The card itself is a debit card, and the features listed for it are travel and multi currency. Read together, they describe a straightforward setup: money sits in a bank account, and the card is a way to spend it, with travel and multi-currency as the stated strengths. How the money is protected is worth asking about directly. No regulator, licence or protection scheme is named for this brand, so nothing here should be read as a promise about deposit cover or card insurance. Anyone whose priority is the safety of the money should raise that with the bank before opening an account, rather than assume it from the fee figures. The practical summary is a young bank with a simple product. The card type, the feature list, the home country and the founding year tell you who is offering it; the fees section tells you what it costs.
How D360 Bank compares
8.8 vs 9.4
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Where D360 Bank is available
- Available
- Saudi Arabia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold the D360 Bank debit card?+
The monthly fee is SAR 0, so there is no account charge to budget for. The debit ranking shows the same median at €0, with the lowest at €0. Cash withdrawals are not covered by either fee, so it is worth asking the bank what they cost before you plan around them.
What does it cost to spend in another currency?+
The currency conversion fee is 0%, so converting money for a purchase abroad adds nothing on top of the exchange rate. The card ranks at position 1 of 259 brands on that measure, against a debit ranking median of 1%.
Is this a debit card or a prepaid card?+
It is a debit card, which means the money comes from a bank account rather than from a balance you load onto the card. The features listed for it are travel and multi currency, so travel and multi-currency use are the stated strengths. If you would rather load a balance, a prepaid card is a different product.
Which currencies can I hold and spend?+
The card is listed as multi-currency, alongside travel as a feature, so it is built for holding and spending across several currencies. The specific currencies on offer are worth confirming with the bank before you rely on one for a trip, and the card type to hold them is debit.
Is my money protected, and who regulates the bank?+
No regulator, licence or protection scheme is named for this brand, so nothing here confirms what cover applies to the balance or to the card. The legal entity is D360 Bank, headquartered in Saudi Arabia, and it was founded in 2022. If deposit protection matters to you, ask the bank directly before opening the account.
How does this compare with other free cards on fees?+
On the monthly fee there is nothing to separate them: SAR 0 here, £0 for Wise, $0 for Varo Believe Secured Credit Card and $0 for Chime Card (Secured Visa Credit Card). The differences sit in card type, with D360 Bank a debit card and the other options credit cards, and in how many currencies you can hold.
Is D360 Bank a long established bank?+
No, it is a young one. The legal entity is D360 Bank, it is headquartered in Saudi Arabia, and it was founded in 2022. A newer bank is worth weighing against a longer record, particularly on things the fee sheet does not cover, such as what happens if a payment goes wrong.
Sources
- d360.com/en/personal/cards/debit-card checked September 26, 2026
Backs: Card type, Features, Currency conversion fee, Monthly fee
“Debit Card”
- en.wikipedia.org/wiki/D360_Bank checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“15 February 2022”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Related by the facts
D360 Bank
A free debit card for everyday spending and travel spending in other currencies.